| Category | Earn Rate |
|---|---|
Dining & RestaurantsBest | 2.5x BMO Rewards points per $1 |
GroceriesBest | 2.5x BMO Rewards points per $1 |
Bills & UtilitiesBest | 2.5x BMO Rewards points per $1 |
Gas & Fuel | 0.5x BMO Rewards points per $1 |
Shopping | 0.5x BMO Rewards points per $1 |
Streaming & Subscriptions | 0.5x BMO Rewards points per $1 |
Transit & Rideshare | 0.5x BMO Rewards points per $1 |
Travel & Hotels | 0.5x BMO Rewards points per $1 |
Point values vary by redemption method. See redemption values below
| Redemption Method | Value / Point | Rating |
|---|---|---|
| BMO Travel | 1.0¢ | Best |
| Statement Credit | 0.5¢ | Poor |
Redeem for travel through BMO Rewards for full value
Enter your monthly spending to estimate annual rewards with this card.
Typical benefits for no fee tier cards. Actual coverage may vary.
Based on card-specific requirements where available; household income estimated by tier.
Cash advance, balance transfer, and late payment fees are typical for this card tier. Check the issuer for exact rates.
Benefits You Use: ~$0 of ~$50/yr
0%Extended Warranty
Doubles the manufacturer warranty (up to 1 extra year) on eligible purchases